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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

New Haven, VT Housing Affordability Index

New Haven, Vermont has an MBR Housing Affordability Index score of 72.9 (Moderately Less Affordable) as of October 30, 2026, ranking 116th most affordable of 133 scored Vermont cities, compared with 89.8 statewide and 97.4 nationally. On a median-priced $387,000 home with 20% down, the Vermont average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $2,118, or 38% of the city’s $66,696 median household income.

The MBR Housing Affordability Index (MBR-HAI) for New Haven is updated every night from live Vermont mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

New Haven MBR-HAI 72.9 Moderately Less Affordable
Rank in Vermont 116 of 133 1 = most affordable
Vermont 89.8 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.28% Vermont lenders
Median home value $387,000 U.S. Census Bureau

New Haven is 16.9 points below the Vermont score. Scores as of October 30, 2026. See the Vermont index

View New Haven Mortgage Rates

What It Takes to Buy in New Haven

$2,118/mo
Principal & Interest
Median home, 20% down, 7.28%
$90,800
Income Needed
To keep the payment at 28% of income
$66,696
Median Household Income
Vermont: $81,203
5.8x
Price-to-Income Ratio
Vermont: 3.9x
$1,591/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,208/yr
Median Property Tax
1.35% of median value
41.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
29.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for New Haven, Vermont. The rate is the Vermont average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the New Haven Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. New Haven, Vermont score: 72.9 (Moderately Less Affordable), ranked 116 of 133 Vermont cities. monitorbankrates.com/housing-affordability-index/vermont/new-haven”